AmeriServ Financial Inc. (ASRV) vs FIRST US BANCSH (FUSB)

AmeriServ Financial Inc. and FIRST US BANCSH are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $90.6M against $79.3M — 1.1× the size. AmeriServ Financial Inc. trades at the lower P/E: 9.2× against 12.2×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against 3.61%. FIRST US BANCSH has the higher net margin (12.1% vs 9.51%) and the higher return on invested capital (12.3% vs 4.27%). Both pay a dividend; AmeriServ Financial Inc. yields more (4.12% vs 1.92%). Across the 20 metrics below, FIRST US BANCSH leads on 11 and AmeriServ Financial Inc. on 9.

Valuation

Metric ASRV FUSB Banks Regional median
P/E 9.18 12.18 12.15
P/S 0.89 1.45 2.37
P/B 0.65 0.89 1.21
Price to free cash flow 630.09 8.73 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 0.62 2.27
Earnings yield 10.90% 8.21% 8.11%
Free cash flow yield 0.16% 11.46% 8.98%

Profitability

Metric ASRV FUSB Banks Regional median
Gross margin 68.57% 65.18% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 12.10% 18.66%
Free cash flow margin 0.14% 16.56% 21.18%
Return on equity 7.28% 7.53% 10.64%
Return on assets 0.59% 0.68% 1.13%
Return on invested capital 4.27% 12.31% 8.33%

Growth

Metric ASRV FUSB Banks Regional median
Revenue growth (TTM) 4.91% 3.61% 6.61%
EPS growth (last fiscal year) 61.90% (24.81%) —
Revenue growth, 5-year CAGR 6.94% 6.78% 12.30%
Net income growth, 5-year CAGR 4.07% 17.22% 9.71%

Health

Metric ASRV FUSB Banks Regional median
Debt to equity 0.53 0.11 0.22
Current ratio 0.83 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV FUSB Banks Regional median
Dividend yield 4.12% 1.92% 3.75%
Payout ratio 0.48 0.14 0.27

Size

Metric ASRV FUSB Banks Regional median
Market cap 79.29m 90.55m 921.07m

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